Speaking points for your clients and prospects about the Athene acquisition of Aviva
|
|
- Jason Fletcher
- 6 years ago
- Views:
Transcription
1 Speaking points for your clients and prospects about the Athene acquisition of Aviva Thank you for your continued support as we transition from Aviva USA to Athene USA these are truly exciting times! We know your clients and even some prospects may have questions about this transition. We re confident this transition will be smooth for you and your customers. To help, we ve created a document with key talking points to help you with current clients (front of document) and prospects (back of document). We ll continue to update you as the transition proceeds. Remember to visit the Transitions page on Connect, your agent portal, to access previous communications, contact information, FAQs, and more. Please also continue submitting any questions you have to askyourquestion@avivausa.com. Thank you again for your on-going support the future together is very bright! Agent use only; Not for use with the general public.
2 Possible Client Questions Possible Client Questions What s happening with Aviva USA and Athene? Athene Holding acquired Aviva USA s annuity and insurance business October 1st as part of its strategy to become an industry leader in fixed annuities. Athene is solely focused on annuities and, with this acquisition, Athene will arguably have the broadest and most innovative annuity portfolio in the industry. What does this mean for Aviva USA? In the short-term, not much actually changes as the previous Aviva USA entity will still be a stand-alone (Athene USA) firm until it is integrated with the broader Athene entity in While it will technically become Athene USA, everything will still be branded as Aviva until early- to mid Should I be worried about my contract and its guarantees? All contractual commitments continue, all regulatory processes that protect clients are adhered to and continue, the insurance company is well capitalized to meet these obligations, plus the approval processes for this acquisition helps ensure the insurance company can continue to meet its obligations. Will my contract change? Will it continue to accumulate/payout? There isn t any change to your contract nor to how it will accumulate or payout depending on your situation. As mentioned above, all contractual obligations continue and it is still backed by Aviva Life and Annuity Company to be renamed Athene Annuity and Life Company effective March 1, Will the customer support I get change? No, you will continue to receive excellent customer service. Athene wants to ensure this transition is a smooth as possible so nothing related to customer support should change for you whether that s your online account at MyAviva, the 800# for the call center, or how you receive mailings. In fact, all of this will still be branded as Aviva until early- to mid-2014 at which time it will be rebranded to Athene but other than the name, everything should be the same.
3 Possible Client Questions Possible Client Questions What if anything will change for me then? As mentioned, what won t change is the insurance company s commitments to your contract and its ability to meet these obligations. Over-time though, the name of Aviva Life and Annuity Company will change to Athene Annuity and Life Company so you will notice websites, correspondence, forms and other communications will be branded as Athene. This will begin in early- to mid Is Athene financially stable? Yes! Like Aviva, Athene is well capitalized and is financially strong. When combined with Athene s existing annuity business, the new organizations: Have been serving American consumers for over 117 years Have nearly 600,000 individual policy-holders Have 25,000 independent agents and 1,400 employees Are managing nearly $60B in assets What about their ratings? Neither Aviva nor Athene can determine what the independent rating agencies perspectives will be. It s important to know that Athene operates their business as an A-rated company and its financials support that. Rating agencies also consider a company s newness and any perspectives they have on the firms abilities to integrate. Athene s rating is currently B++ (good) by A.M. Best (their fifth highest rating of 15 such ratings) and is BBB+ (good) by Fitch Ratings (the eighth highest of 21 such ratings). The Aviva USA entity which will become Athene USA is currently rated as A- by Standard & Poor s (their third highest rating of 12 such ratings) as of 10/1/13. How can I find out more? More information will be provided directly to Aviva Life and Annuity Company policy-holders in the coming months. In the interim, you can go to their public website AvivaUSA.com where they have some information about the acquisition, call them at or continue to ask your agent who can work with us to answer any of your questions.
4 Prospect Questions Prospect Questions What s happening with Aviva USA and Athene? Athene Holding acquired Aviva USA s annuity and insurance business October 1st as part of its strategy to become an industry leader in fixed annuities. Athene is solely focused on annuities and, with this acquisition, Athene will arguably have the broadest and most innovative annuity portfolio in the industry. What does this mean for Aviva USA? In the short-term, not much actually changes as the previous Aviva USA entity will still be a stand-alone (Athene USA) firm until it is integrated with the broader Athene entity in While it will technically become Athene USA, everything will still be branded as Aviva until early- to mid Should I be worried about purchasing an Aviva contract right now? All contractual commitments continue, all regulatory processes that protect clients are adhered to and continue, the insurance company is well capitalized to meet these obligations, plus the approval processes for this acquisition helps ensure the insurance company can continue to meet its obligations. Who will be responsible for my contract then if I do buy an Aviva annuity? All contractual obligations continue as issued by Aviva, and your contract is still backed by Aviva Life and Annuity Company to be renamed Athene Annuity and Life Company effective March 1, If I buy an Aviva annuity now, can Athene change what I m promised later? No as the contractual commitment made when you purchase your annuity will continue regardless of the name of the company. While your contract does include provisions that allow for certain standard changes within it (e.g. renewal rates, future income options, etc.), the contract itself cannot and will not change.
5 Prospect Questions Prospect Questions Is Athene financially stable? Yes! Like Aviva, Athene is well capitalized and is financially strong. When combined with Athene s existing annuity business, the new organizations: Have been serving American consumers for over 117 years Have nearly 600,000 individual policy-holders Have 25,000 independent agents and 1,400 employees Are managing nearly $60B in assets What about their ratings? Neither Aviva nor Athene can determine what the independent rating agencies perspectives will be. It s important to know that Athene operates their business as an A-rated company and its financials support that. Rating agencies also consider a company s newness and any perspectives they have on the firms abilities to integrate. Athene s rating is currently B++ (good) by A.M. Best (their fifth highest rating of 15 such ratings) and is BBB+ (good) by Fitch Ratings (the eighth highest of 21 such ratings). The Aviva USA entity which will become Athene USA is currently rated as A- by Standard & Poor s (their third highest rating of 12 such ratings) as of 10/1/013. What if anything will change for me if I buy an Aviva annuity now? If you purchase an Aviva annuity now, you ll receive an Aviva-branded annuity. As mentioned above, this contract will be issued by Aviva Life and Annuity Company. Over-time though, the name of Aviva Life and Annuity will change to Athene Annuity and Life so you will notice websites, correspondence, forms and other communications will be branded as Athene. This will begin in early- to mid How can I find out more? More information will be provided directly to Aviva Life and Annuity Company policy-holders in the coming months. In the interim, you can go to their public website AvivaUSA.com where they have some information about the acquisition, call them at or continue to ask your agent who can work with us to answer any of your questions.
Retirement Investments Retirement Insurance Health Investments Insurance Health
Retirement Investments Insurance Health Investment Portfolio Investment Portfolio from Aviva Whatever your financial needs, Investment Portfolio offers you a wide range of investment options, giving you
More informationPension Portfolio J26372_LF10207_0318.indd 1 05/03/18 6:39 am
Pension Portfolio could be the perfect home for your pension. It allows you to take full advantage of the pension freedoms. Pension Portfolio has two options - Core and Choice - which are designed to meet
More informationRetirement Investments Retirement Insurance Health Investments Insurance Health
Retirement Investments Insurance Health ISA Portfolio If you re investing for the medium to long term, then you should always consider a stocks and shares ISA with the significant tax advantages it offers.
More informationWorkplace pensions AUTO ENROLMENT HAS TAKEN OFF
Workplace pensions AUTO ENROLMENT HAS TAKEN OFF INTRODUCTION The Government introduced auto enrolment to help more people save for their future. It means your employer will have to give you access to a
More information9Steps. to Owning a Home
9Steps to Owning a Home Contemplating buying a new home? I can help. With some planning ahead of time, buying a home isn t very difficult, but the event intimidates a lot of people. So you ll understand
More informationStakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health
Stakeholder Pension The simple way to start a pension plan Retirement Investments Insurance Health Introduction Any decision you make about investing for your future retirement needs careful consideration
More informationAdvisory Services. Introducing
Introducing Your Pension. Our Promise. Advisory Services A new level of service There will come a point when you will face a major pension decision: you have past service you are considering purchasing,
More informationCOMBINE YOUR PENSIONS
COMBINE YOUR PENSIONS PAGE 1 INTRODUCTION PAGE 2 WHY COMBINE MY PENSIONS WITH SCOTTISH WIDOWS? PAGE 3 ARE THERE ANY PENSIONS THAT CAN T BE COMBINED? PAGE 4 THINGS TO CONSIDER PAGE 8 USE ILLUSTRATIONS PAGE
More informationBuyer s Guide for Deferred Annuities
ACTION: Final ENACTED DATE: 10/14/2014 12:28 PM Appendix 3901614 3901-6-14 1 APPENDIX C Buyer s Guide for Deferred Annuities What Is an Annuity? An annuity is a contract with an insurance company. All
More informationTORUS HAS REBRANDED TO STARSTONE
TORUS HAS REBRANDED TO STARSTONE FREQUENTLY ASKED QUESTIONS Q: What does the change mean? A: With effect from September 14, 2015, Torus Insurance Holdings Limited will now be StarStone Insurance Holdings
More informationOur unitised and new generation with-proits funds
For customers Our unitised and new generation with-proits funds What s this guide for? 02 What funds does this guide cover? What s not included? Where can I find out more? Deinitions 04 With-proits 05
More informationTHE MEANING OF LIFE IMMS delivers a turnkey life insurance solution for P-C agents
THE MEANING OF LIFE IMMS delivers a turnkey life insurance solution for P-C agents By Elisabeth Boone, CPCU heard it once, heard it a thousand times: As a Ifyou ve property/casualty agent, you re sitting
More informationYour guide to debt management
Your guide to debt management This guide will help you understand debt management: what it is and who it can help. There are many solutions that help people deal with debt so it s best to get the advice
More informationFor adviser use only. Not approved for use with customers. Relevant Life Insurance Introducing Relevant Life Insurance
For adviser use only. Not approved for use with customers. Relevant Life Insurance Introducing Relevant Life Insurance Introducing Relevant Life Insurance We ve designed Relevant Life Insurance specifically
More informationHOMEPATH BUYERS GUIDE
HOMEPATH BUYERS GUIDE WWW.HOMEPATH.COM Buyers Guide Buyers Guide For a Fannie Mae-owned Home Whether you re buying your first home or your fifth, the experience can be exciting, confusing, overwhelming
More informationThe Real Story of Successful Retirement. Money isn t magic, it s what you do with money that is magic.
The Real Story of Successful Retirement. Money isn t magic, it s what you do with money that is magic. Money Moves, Jim Yockey, 1996 Discover how a single solution could address the five most important
More informationReviewing the BT Pension Scheme (BTPS) July 2017
Reviewing the BT Pension Scheme (BTPS) July 2017 We announced recently that we ve started a review of the BT Pension Scheme (BTPS) our defined benefit pension arrangement. We ve been asked by a number
More informationRetirement Investments Insurance. Pensions. made simple TAKE CONTROL OF YOUR FUTURE
Retirement Investments Insurance Pensions made simple TAKE CONTROL OF YOUR FUTURE Contents First things first... 5 Why pensions are so important... 6 How a pension plan works... 8 A 20 year old needs to
More informationTO FIT YOUR BUSINESS
For employers Retirement Solutions TAILORED SOLUTIONS TO FIT YOUR BUSINESS A guide for employers WORK SMARTER NOT HARDER These days, offering your workers a good pension is vital. Of course, as pensions
More informationThere are only two positions named in the merged company: John Legere will be the CEO and Mike Sievert will be the President and COO.
Filed by Sprint Corporation Pursuant to Rule 425 under the Securities Act of 1933, as amended, and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company:
More informationStandard Life Active Retirement For accessing your pension savings
Standard Life Active Retirement For accessing your pension savings Standard Life Active Retirement our ready-made investment solution that allows you to access your pension savings while still giving your
More informationYour Free Guide to our PMP & CAPM Preparation Course Certified Associate in Project Management (CAPM) Edition
Your Free Guide to our PMP & CAPM Preparation Course Certified Associate in Project Management (CAPM) Edition PMI s Project Management Professional Your Free Guide to Our PMP Preparation Course Part 1:
More informationInformation about. Support for Mortgage Interest (SMI) benefit ending INFSMI 08/17. Please make sure you read and understand this information booklet
Information about Support for Mortgage Interest (SMI) benefit ending Please make sure you read and understand this information booklet This information booklet tells you about the SMI benefit ending and
More informationScript Raising Private Money from People You Know. For Students Just Getting Started in Real Estate Investing
(Page 1 of 6) FFA = Friends, Family members, or Associate(s) Your FFA Answers the Phone Live: FFA: Hi, (Name of FFA), this is (Student Name). Did I catch you at a good time? I wanted to run something by
More informationThe wait is over! Your Aviva Save As You Earn plan is reaching maturity.
The wait is over! Your Aviva Save As You Earn plan is reaching maturity. Find out more about your exciting options enclosed. Remember you have 6 months from your maturity date to place an instruction.
More informationBuyer s Guide for. Deferred Annuities. Fixed
Buyer s Guide for Deferred Annuities Fixed Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance
More informationBuyer s Guide for. Deferred Annuities. Fixed
Buyer s Guide for Deferred Annuities Fixed Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance
More information1 Agile Retirement Range
1 Agile Retirement Range Agile Retirement Range Know today exactly what you will retire on. Guaranteed. When it comes to your retirement income, we know you want answers, not estimates. That s why we ve
More informationLOOK FORWARD TO MORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio
LOOK FORWARD TO MORE CHOICE MORE FREEDOM Pension Portfolio A guide to Income Release 2 A GUIDE TO INCOME RELEASE CONTENTS 03 Welcome A few words from our CEO 06 Share our success How your ProfitShare works
More informationTheUltimateAnnuityBuyer sguide. dddd. 7Sure-FireTipsToGeneratingMoreIncome, Growth,AndPreservationOfPrincipal. ProvidedBy:
TheUltimateAnnuityBuyer sguide dddd 7Sure-FireTipsToGeneratingMoreIncome, Growth,AndPreservationOfPrincipal ProvidedBy: 7 Key Tips For Purchasing Annuities In Today s Market TIP #1 Company Ratings Matter!
More informationNAIC National Association of Insurance Commissioners
Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory officials. This association helps
More informationFAQ s. Why should I hire Social Security Advocates for the Disabled? How can you help me if I don t live near your office?
800.825.7735 136 Long water Drive, Suite 100, Norwell, MA 02150 FAQ s Why should I hire Social Security Advocates for the Disabled? Hire us because we win, and we ve been winning since 1994. People that
More informationFor financial adviser use only. Not approved for use with clients. Build your business with equity release
For financial adviser use only. Not approved for use with clients. Build your business with equity release Contents Building your business with equity release 3 Getting qualified and support 4 Creating
More informationIf you are over age 50, you get another $5,500 in catch-up contributions. Are you taking advantage of that additional amount?
Let s start this off with the obvious. I am not a certified financial planner. I am not a certified investment counselor. Anything I know about investing, I ve learned by making mistakes, not by taking
More informationLIF PRO. Life Insurance Funded Personal Retirement Option CLIENT REFERENCE GUIDE /09
LIF PRO Life Insurance Funded Personal Retirement Option CLIENT REFERENCE GUIDE 17242 3/09 Life Insurance Funded Personal Retirement Option When you are ready for retirement... will retirement be ready
More informationUnderstanding with profits. With Profits Pension Annuity
Understanding with profits With Profits Pension Annuity This booklet tells you how we manage our With Profits Pension Annuity business only. There are separate With Profits guides for other types of with
More informationFrequently Asked Questions
Remember: You Must Enroll for Benefits November 9-20, 2015! Frequently Asked Questions Have questions about Annual Open Enrollment for 2016 benefits? Chances are you re not the only one. Here are some
More informationWalker Smith Contractor Accountancy ENABLING THE WORLD S FLEXIBLE WORKFORCE
Walker Smith Contractor Accountancy ENABLING THE WORLD S FLEXIBLE WORKFORCE Contractor specialists Contractors are at the heart of everything we do at Walker Smith and our range of accountancy services
More informationInsurance. IFRS 15 Revenue Are you good to go? July kpmg.com/ifrs
Insurance IFRS 15 Revenue Are you good to go? July 2017 kpmg.com/ifrs Are you good to go? IFRS 15 may change the way some insurers account for non-insurance services. To help you drive your IFRS 15 implementation
More informationVariance FAQ s. Prepared by the Sitka Planning Office, Sara Russell, Planning Assistant Wells Williams, Planning Director
Variance FAQ s Prepared by the Sitka Planning Office, 747-1814 Sara Russell, Planning Assistant Wells Williams, Planning Director Outline of Questions Answered on the following Pages - What is a setback?
More informationBUYER S GUIDE TO FIXED DEFERRED ANNUITIES
Annuity Service Center: P.O. Box 79907, Des Moines, Iowa 50325-0907 BUYER S GUIDE TO FIXED DEFERRED ANNUITIES Prepared by the National Association of Insurance Commissioners The National Association of
More informationKey Features of the WorkSave Pension Plan. This is an important document which you should keep in a safe place.
Key Features of the WorkSave Pension Plan This is an important document which you should keep in a safe place. Welcome to your Key Features Document. It explains the important information you need to know
More informationWorking out your lifetime allowance
Working out your lifetime allowance Please use this question and answer document to help you fill in the Lifetime Allowance Declaration for your Drawdown declaration form - customer request. It does not
More informationYou have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a
You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a secure future. Tax-Free. Guaranteed Benefits. Custom-Designed.
More informationLEASING vs. BUYING A CAR
LEASING vs. BUYING A CAR Generally, there are two choices for financing a new car: leasing and buying. Each has its benefits and drawbacks, and deciding which option is best depends on your finances, lifestyle,
More informationYOUR GUIDE TO RETIREMENT SAVINGS
YOUR GUIDE TO RETIREMENT SAVINGS CONTENTS PAGE 3 WHAT IS THE SCOTTISH WIDOWS RETIREMENT SAVER (THE PLAN)? PAGE 4 CAN I RELY ON THE STATE ALONE? WHAT ARE MY ALTERNATIVES? PAGE 5 HOW DO I JOIN? WHAT ARE
More informationFrequently asked questions about TIAA Traditional Annuity
about TIAA Traditional Annuity TIAA Traditional Annuity can provide you with certainty, income you can t outlive and peace of mind. Table of contents: Section 1 Overview Section 2 Interest crediting rates
More informationTHINGS YOU SHOULD KNOW ABOUT GUARANTEES
THINGS YOU SHOULD KNOW ABOUT GUARANTEES Contact Guarantees...5 1. What is a guarantee?... 5 2. How do I know how much the debtor is borrowing and how the credit charges are worked out?... 5 3. What documents
More informationLEASING VS BUYING A CAR
LEASING VS BUYING A CAR Page 1 FREE ebook! Andy Mohr KIA AndyMohrKia.com 3601 E 15th ANDY Street ANDY MOHR MOHR KIA KIA 850-763-5495 Panama City, FL 32404 AndyMohrKia.com 8789 E US hondaofbaycounty.com
More informationFinding retirement security
Finding retirement security Protect your savings. Discover the growth and income potential of fixed indexed annuities. LINCOLN ANNUITIES Not a deposit Not FDIC-insured May go down in value Not insured
More informationRETIREMENT ACCOUNT YOUR GUIDE. Supporting you to and through retirement
RETIREMENT ACCOUNT YOUR GUIDE Supporting you to and through retirement PAGE 3 CHOOSING SCOTTISH WIDOWS PAGE 4 CHOOSING RETIREMENT ACCOUNT PAGE 5 OVERVIEW RETIREMENT ACCOUNT AND FEATURES PAGE 6 WHAT MAKES
More informationThe Limited Liability Company Guidebook
The Limited Liability Company Guidebook Copyright 2017, Breglio Law Office, LLC Breglio Law Office 234 E 2100 South Salt Lake City, UT 84115 (801) 560-2180 admin@bregliolaw.com Thanks for taking some time
More informationSwitch instruction. 1. Planholder details. For customers Retirement Control
For customers Retirement Control Switch instruction About this instruction You should use this form to switch funds under your plan. Which sections do you need to complete? Where you re using this form
More informationTake control with Aegon Retirement Choices
For customers Take control with Aegon Retirement Choices Contents What is the Aegon Retirement Choices (ARC) platform? 2 Why do I need a platform? 3 Planning your future 3 Growth, income or both? 4 Choosing
More informationWINDSTREAM WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS
WINDSTREAM WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS YOU WILL WANT TO LOOK INSIDE TO LEARN MORE ABOUT: Connecting with a licensed Benefits Counselor Exploring your new healthcare coverage options
More informationAttract and keep the best people for your business
Executive bonus plan Plan sponsor guide Attract and keep the best people for your business NATIONWIDE BUSINESS SOLUTIONS GROUP Be sure to choose a strategy and product that are suitable for the long-term
More informationBanking. IFRS 15 Revenue Are you good to go? July kpmg.com/ifrs KPMG IFRG Limited, a UK company limited by guarantee. All rights reserved.
Banking IFRS 15 Revenue Are you good to go? July 2017 kpmg.com/ifrs Are you good to go? IFRS 15 may change the way some banks account for their contracts. To help you drive your implementation project
More informationOn track. with The Wrigley Pension Plan
Issue 2 September 2013 On track with The Wrigley Pension Plan Pensions: a golden egg? There s a definite bird theme to this edition of On Track. If you want to add to your nest egg for retirement, we ll
More informationIntroducing the benefits of the HDHP. Get the most out of the High Deductible Health Plan
Introducing the benefits of the HDHP Get the most out of the High Deductible Health Plan HDHP Comparing the HDHP to Lehigh s other health plan offerings. There are many similarities between the HDHP and
More informationParticipant s Guide to Group RRSPs
Participant s Guide to Group RRSPs Servus Credit Union is a member-owned financial institution that offers a complete line of financial services and solutions, including investment, insurance and trust
More informationNovated Leasing Let s get started.
Novated Leasing Let s get started. Introduction Let s get started. A great way to get a car. Pay less tax. Save lots of time & effort. A novated lease with LeasePlan is a great way to get a car. It s cheaper,
More informationReaching out to renters
For financial adviser use only. Not approved for use with customers. Reaching out to renters How to write effective letters and emails to renters about the need for protection With renting on the rise,
More informationBINARY OPTIONS: A SMARTER WAY TO TRADE THE WORLD'S MARKETS NADEX.COM
BINARY OPTIONS: A SMARTER WAY TO TRADE THE WORLD'S MARKETS NADEX.COM CONTENTS To Be or Not To Be? That s a Binary Question Who Sets a Binary Option's Price? And How? Price Reflects Probability Actually,
More informationMarch Annuities and the Investor Perspective
March 2016 1 Annuities and the Investor Perspective 2 we are a language strategy firm focused on one idea: it s not what you say, it s what they hear you can have everything else right the right actions,
More informationKey Features of the Group Personal Pension 2000 Plan. This is an important document which you should keep in a safe place.
Key Features of the Group Personal Pension 2000 Plan This is an important document which you should keep in a safe place. Welcome to your Key Features Document. It explains all the important information
More informationReplacing your salary in retirement
Replacing your salary in retirement We can help Wondering how you ll replace your salary when you retire? Will you have enough income to last your lifetime? Fortunately, you still have time and options
More informationFACTS AND FIGURES As of December 31, 2016
P A R T I C I P A T I N G W H O L E L I F E I N S U R A N C E FACTS AND FIGURES As of December 31, 2016 Life s brighter under the sun Sun Life Financial YOUR CHOICE FOR PARTICIPATING WHOLE LIFE INSURANCE
More informationYour Guide to Life Insurance
Your Guide to Life Insurance (800) 827-9990 HealthMarkets.com Your Guide to Life Insurance Contents Life Insurance Basics 4 Do I Need Life Insurance? 9 How Much Life Insurance Do I Need? 11 What Kind of
More informationGroup Money Purchase Plan
Group Money Purchase Plan Member application Please complete in CAPITAL LETTERS and where appropriate. Please complete this application, sign it and return it to your employer. This form should be kept
More information10 Errors to Avoid When Refinancing
10 Errors to Avoid When Refinancing I just refinanced from a 3.625% to a 3.375% 15 year fixed mortgage with Rate One (No financial relationship, but highly recommended.) If you are paying above 4% and
More informationNew Approach to Retiree Health Care Coverage. New Choices Better Value
New Approach to Retiree Health Care Coverage New Choices Better Value What We ll Cover Today What s Changing and Why What You Need To Do Introducing Extend Health Understanding Supplemental Medicare Insurance
More informationGroup Stakeholder Pension Plan Key features
Group Stakeholder Pension Plan Key features This is an important document. Please read it and keep for future reference. Key features document: Pages 1 17. Terms and conditions for joining: Pages 17 20.
More informationFMI UPDATE ADVISER Q&A
FMI UPDATE ADVISER Q&A May 2014 Contents A. AN INTRODUCTION FROM BRAD... 2 Quick Facts... 2 B. IN GENERAL... 3 1. When will this be effective and what should I look out for?... 3 2. Does the FMI brand
More informationInvestment. Guide. For AEMT Members
Investment Guide For AEMT Members June 2018 1 Contents Choose the right investments for you 3 What you should know about investments 4 Different types of investment 4 Risk Dealing with risk (diversification)
More informationYour guide to retirement savings and fund choices. The Merck Group 2006 Pension Scheme
Your guide to retirement savings and fund choices The Merck Group 2006 Pension Scheme Contents What is The Merck Group 2006 Pension Scheme (the plan)? 3 Can I rely on the State alone? 4 What are my alternatives?
More informationMaking the most of your savings
Isle of Man Retirement Savings Plan Making the most of your savings Your guide to Investment Options in thetesco Isle of Man Retirement Savings Plan April 2016 Your guide to Investment Options in the Tesco
More informationKey Features of the WorkSave Pension Plan. This is an important document which you should keep in a safe place.
Key Features of the WorkSave Pension Plan This is an important document which you should keep in a safe place. Welcome to your Key Features Document. It explains all the important information you need
More informationUnderstanding a change to your TIAA-CREF Investment Solutions IRA
Understanding a change to your TIAA-CREF Investment Solutions IRA A change is scheduled for TIAA CREF Investment Solutions IRAs in 2013. You will receive a new TIAA contract for each Investment Solutions
More informationKey Features of the Group Stakeholder Pension Scheme. This is an important document which you should keep in a safe place.
Key Features of the Group Stakeholder Pension Scheme This is an important document which you should keep in a safe place. Welcome to your Key Features Document. It explains all the important information
More informationPuncture? Accidental damage? No worries.
Puncture? Accidental damage? No worries. ROAD HAZARD WARRANTY Take the hassle out of biking get a no charge replacement if your new Avon 3D Ultra, VP2, Azaro or Storm is accidentally damaged or punctured*
More informationLesson Module 2: Strength Training Savings and Interest
Lesson Module 2: Strength Training Savings and Interest Module 2 Overview In football, strength is something that you can t develop all at once. Players need a consistent and focused work-out regiment
More informationKey Features of the Group Stakeholder Pension Scheme. This is an important document which you should keep in a safe place.
Key Features of the Group Stakeholder Pension Scheme This is an important document which you should keep in a safe place. Welcome to your Key Features Document. It explains all the important information
More informationOUR RELEVANT LIFE PLAN
KEY FACTS OF OUR RELEVANT LIFE PLAN January 2018 Important information you should read Protection Relevant Life WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4
More informationEXPERT ABM BUDGETING STRATEGIES
EXPERT ABM BUDGETING STRATEGIES #ExpertABM INTRODUCTION If you re like most marketers today, you re probably pretty excited about Account-Based Marketing (ABM). But as you re starting to bridge the gap
More informationThis FAQ was made available on January 16, 2019 to certain members of Fiserv, Inc. s management and investor relations department.
Filed by Fiserv, Inc. Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: First Data Corporation Commission
More informationFurther information about your mortgage
Further information about your mortgage This booklet explains how we now manage your mortgage. It also explains how we managed your account before we made changes. The booklet does not set out to explain
More informationKEY FEATURES OF THE ELI LILLY SELF INVESTED PENSION PLAN (LILLY SIPP).
KEY FEATURES OF THE ELI LILLY SELF INVESTED PENSION PLAN (LILLY SIPP). This is an important document which you should keep in a safe place. Legal & General working in Association with: 2 ELI LILLY SELF
More informationCharter Savings Bank Cash ISAs
Charter Savings Bank Cash ISAs 2 ISAs ISAs 3 ISAs a brief explanation Welcome to Charter Savings Bank Thank you for choosing us to look after your Cash ISA. Please read this leaflet and keep in a safe
More informationGuide to trusts. A brief guide to Trusts and our Trustbuilder tool. Trusts the basics. Settlor makes a gift to the trust
Guide to trusts A brief guide to Trusts and our Trustbuilder tool This brief guide explains some of the main features and benefits of our trusts, and gives you some information to help you decide whether
More informationCollect the Biggest Dividends In Stock Market History
Collect the Biggest Dividends In Stock Market History Myth: Big dividends are risky, and signal that a company is in trouble. Reality: the biggest dividends can be some of the safest single income opportunities
More informationCOMCAST NBCUNIVERSAL WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS
COMCAST NBCUNIVERSAL WELCOME KIT FOR MEDICARE- ELIGIBLE INDIVIDUALS LOOK INSIDE TO LEARN MORE ABOUT: Connecting with a licensed Benefits Counselor Exploring your new healthcare coverage options Enrolling
More informationChoosing between the BTRSS and the new BT Hybrid Scheme
Page 1 of 17 Choosing between the BTRSS and the new Your questions and answers Making a choice Making a choice Making a choice What happens if I do nothing? I m on maternity/ paternity/sick leave/leave
More informationMBNA customer questionnaire: Payment Protection Insurance. Section A: about you. Our reference:
MBNA customer questionnaire: Payment Protection Insurance Please complete all sections of the questionnaire as fully as possible, so that your complaint can be assessed quickly. We aim to provide a response
More informationQuick-Star Quick t Guide -Star
Quick-Start Guide The Alpha Stock Alert Quick-Start Guide By Ted Bauman, Editor of Alpha Stock Alert WELCOME to Alpha Stock Alert! I m thrilled that you ve decided to join this exciting new system. As
More informationMoneyGuard Reserve. Yours today for tomorrow. Client Overview
Reserve Yours today for tomorrow Get more for your long-term care dollar Get your money back if you don t need to use your policy Be tax-smart about long-term care Client Overview One simple solution How
More informationKey Features of the WorkSave Pension Plan. This is an important document which you should keep in a safe place.
Key Features of the WorkSave Pension Plan This is an important document which you should keep in a safe place. Welcome to your Key Features Document. It explains all the important information you need
More informationHow to make changes to your annuity income
How to make changes to your annuity income What s inside Is it time to make a change? 2 Your annuity income 3 TIAA Traditional income 5 TIAA and CREF variable annuity income 7 How you can adjust your annuity
More informationWelcome! We re here to help you get a head start on your financial future.
Welcome! We re here to help you get a head start on your financial future. 1 Today I ll discuss: What the updates mean How the transition will work Updating your TIAA-CREF account Advantages of participating
More informationCASH ISAs. Your guide to tax-free saving.
CASH ISAs. Your guide to tax-free saving. You ll find everything you need to know about ISAs in this guide. ISAs in a nutshell 3 How your ISA works 4 ISA Promise 5 Which ISA? 6 Key facts about our ISAs
More informationFidelity Wealth Service
Fidelity Wealth Service Dear Investor, New opportunities. The perfect property. The ideal retirement. Or maybe just the freedom to make it up as you go along. At Fidelity Wealth, we know every investor
More information